Please carefully read the important legal information below.

By accessing the website of the Bank CBH Compagnie Bancaire Helvétique, of its subsidiaries and of the CBH investment funds (hereinafter ‘the Group’), as well as the websites of its trademarks, you acknowledge having understood and approved the legal information that it contains.

Local legal restrictions

The website of the CBH Compagnie Bancaire Helvétique Group and its affiliated trademarks is not aimed at persons to whom access is prohibited by the laws of their country. Under US law, citizens and residents of the United States are barred from accessing the Group’s website. British citizens and persons domiciled in Great Britain should access the British website of CBH Compagnie Bancaire Helvétique, which was created specifically for Great Britain.

Copyright

The entire website of the Group and the websites of the trademarks are protected by copyright (all rights are reserved). The logo of the CBH Compagnie Bancaire Helvétique Group and those of its trademarks are registered trademarks. The use of the website of the Group or the use of the trademarks’ websites do not confer any right over the software, the registered trademarks or any other element of the websites. Any reproduction or use of the websites and of the logos for public or commercial purposes without prior authorization from the Group is prohibited.

No offer

The information and opinions featuring on the website of the CBH Compagnie Bancaire Helvétique Group are published for information purposes only. They neither constitute an incitement or an offer to buy or sell securities or other investment instruments, nor an invitation or proposal to perform other transactions. They do not constitute recommendations, decision-making aids for your investment or other decisions or advice of any kind. You should consult your Relationship Manager before taking any investment decision.

Lack of any warranty

The CBH Compagnie Bancaire Helvétique Group takes the greatest care regarding the presentation and up-to-date nature of the information on its website. The CBH Compagnie Bancaire Helvétique Group and its business partners hereby disclaim liability (including liability towards third parties) for the accuracy, the up-to-date nature and the exhaustiveness of the information and opinions published on the website of the Group. Moreover, the Group disclaims any liability for and does not guarantee the continuity, the lack of defectiveness of the functions of the website, the rectification of any errors and the absence of viruses or other damaging elements on a correspondent website or server.

Possibility of modification

Any information, indications of performance or other presentations, any link or other information can be modified without notice and without any prior declaration being sent to the user.

Performance (reference to the risk)

The value of the capital invested the price of shares in funds, and the income and distributions resulting from same, are subject to fluctuations or may even be entirely non-existent. Past positive performance (growth in value) is no indicator of future performance. The integrity of the capital invested cannot be guaranteed; there is therefore no guarantee that the value of the capital invested or the shares held in any funds shall coincide, in case of a sale or buy-back, with the sum initially invested. Investments in foreign currencies are subject to fluctuations of rates and additional monetary risks. The growth of such investments also depends on the volatility of the foreign currency, which might negatively influence the value of the capital invested. When it comes to investments in funds, the ratio of risk to yield depends moreover on the investment policy and the preponderant strategy chosen for the various funds. Thus, investments in the technology sector and in emerging markets are characterized by a very strong volatility and the losses may be particularly severe in case of resale. In this respect, the Group and its contract partners are not liable for any losses.

Liability disclaimer

The Group and its contractual partners disclaim any liability (including in case of negligence or liability towards third parties) for any losses resulting from direct or indirect damage of any kind whatsoever, linked to the information, indications of performance, sections, links or other data or financial risks on this website.

Networked websites

By clicking on a link on this website, you may be redirected to another website outside the scope of the website of the Group or of its trademarks. The Group has not audited the third party sites that are linked to its website and is therefore not liable for their content, specifically in terms of any offers, information and opinions.

Use of e-mails, SMS, etc.

E-mails and SMS messages sent via the public networks are not protected and they may be intercepted, read and modified by third parties. The data transmitted can transit without any means of control beyond the borders of Switzerland, even if the sender and the intended recipient both reside in Switzerland. In addition to reading the contents of such messages, third parties may be able to identify the sender and the intended recipient of the e-mail or SMS messages and deduce an eventual relationship with the bank. This risk also affects e-mails and SMS messages used when corresponding with the Group (such as when using the web pages and the electronic services of the Group).

The Group shall be entitled to send e-mails and SMS messages to the user. Unless there are separate agreements between the parties which specify otherwise, any correspondence and orders (including payment orders) sent by e-mail and SMS shall not be binding on the Group for security reasons. The latter shall not be liable for any damage that may result from the use of e-mails and SMS messages or the non-performance of any instructions transmitted by such means.

Even though the Group offers free SMS services to users, the latter may have to pay transmission costs to their mobile telephony operator. The Group shall not be liable for these costs.
For technical reasons, the Group is unable to guarantee the effective transmission of e-mails and SMS messages. It hereby disclaims liability for any loss or damage arising from the non-transmission or the late sending of e-mails and SMS messages.

These provisions shall also apply to unprotected forms of communication featuring the same mode of operation and comparable risks.

Clients of the Group’s electronic services, their agents and any interested parties are hereby referred to the provisions governing electronic services and the declaration for interested parties, complemented by these legal disclaimers, by which they shall be bound.

Tax

Investors are invited to get in touch with their tax advisor to find out about the legal provisions governing the holding or the sale of securities, shares in funds or other investment products that are applicable to the investor’s domicile for tax purposes, and the corresponding incidences in terms of taxation.

CBH Investment Funds

Currently, the investment funds of the Group may only be distributed publicly in the various countries. In all other countries, the sale, the offer or the delivery of shares of investment funds shall require special authorization.

Moreover, the investment in a fund must always be preceded by an in-depth assessment of recent legal documents on the investment funds. The origin of the documentation on the investment funds of CBH is also mentioned on the web pages dedicated to the CBH funds.

Applicable law

Any legal relationship between the Group and the user which arises from the use of the website of CBH Compagnie Bancaire Helvétique shall be governed by Swiss law.

AEOI

Cross-border tax evasion should be prevented with the help of the new global standard for the automatic exchange of information (AEOI). The standard makes provision for the mutual exchange of information on financial accounts between states that have agreed to the AEOI. Aside from Switzerland, almost 100 states, including all major financial centres, have declared their intention to adopt the standard.

To date, Switzerland has agreed to the AEOI with the partner states listed here.

Last review: August 2022